French Mortgage Approval in Principal

Summer vacation information:

Please note that between August 4th and August 15th, we will not be able to respond to any new enquiries sent via our website due to staff vacations.  We are concentrating our time on those files already in progress with us.  We are happy to accept your submission, but please be aware that we will not respond until the week of August 18th unless we indicate otherwise.  Have a great summer! 

 

French banks have a very different approach to underwriting compared to other countries therefore it is necessary to understand your complete financial situation to give you an accurate analysis and know which banks to quote and what conditions they could offer.  

Be sure to go all the way to the "Finish" tab and hit "Submit". You will receive a dossier number to confirm successful receipt of your information. Please note that the minimum loan amount that we can work on is 250 000€
 

25%
Please note our minimum loan requirements *
Personal Info

Please use format DD-MM-YYYY. You can type the date directly into the box if you do not wish to use the calendar

Please enter a phone number to reach you on, ideally a mobile/Cell phone. Please include the country code (+1, +33, +44 etc)

For US citizens outside of USA, we understand you will continue to file in the US, but please indicate which other country you file in. For clients who are not liable for tax (NGOs, etc) please indicate your country of residence here.

Are you buying the property with another person? *

Please note that if you intend to buy a property with your spouse, they will become a co-borrower also regardless of whether they have income or not. In this case, please select Yes, and provide their details (at a minimum, name, date of birth, nationality). Be sure to note if you share a household with someone but want to borrow alone. For information, it's standard in France for married people to borrow together even if one is not working.

Personal Info - Co-borrower
Employment Information - Main borrower

Please select the currency you earn in. Use the main currency if you earn in multiple currencies.

Please enter your annual gross base salary, before taxes or social security charges are deducted. Exclude any bonuses or allowances.

Please enter the average of your last 3 years actual cash bonus (excluding any options, RSUs, etc)

Please enter any relevant information regarding the last 3 years of your income, such as restricted stock units, specific tax status, etc.

Please include private & state pensions/social security.

Please add any comments you feel will help us correctly understand your income

Please enter the following information for the last 3 full years of trading

Company Owners or Professions (Dr, Lawyer, etc)

If the company is jointly owned by the main & co-borrower, please add your percentage ownership together.

Company results

For dividend distributions, please note the dividend amount that would appear on your personal taxes.

Reporting Year Turnover/Revenue Salary drawn Net Profit Dividend/Profits distributed

Please add any information you feel will help us understand your company financials.

Please enter details for the last 3 complete years of trading.

Main borrower Self-employed Income
Revenue Information

As a self-employed/sole trader, the net profit should be the amount that appears as taxable income for you, personally. Please enter details for the last 3 complete years. Do not use spaces, commas or decimals.

Reporting Year Turnover/Revenue Net Profit

Please enter any comments you feel will help us to correctly understand your income

Employment Information - Co borrower

Please select the currency you earn in. Use the main currency if you earn in multiple currencies.

Please enter your annual gross base salary, before taxes or social security charges are deducted. Exclude any bonuses or allowances.

Please enter the average of your last 3 years actual cash bonus (excluding any options, RSUs, etc)

Please enter any relevant information regarding the last 3 years of your income, such as restricted stock units, specific tax status, etc.

Please include private & state pensions/social security.

Please add any comments you feel will help us correctly understand your income

Please enter details for the last 3 complete years of trading.

Co borrower Self-employed Income
Revenue Information

As a self-employed/sole trader, the net profit should be the amount that appears as taxable income for you, personally. Please enter details for the last 3 complete years.

Reporting Year Turnover/Revenue Net Profit

Please enter any comments you feel will help us to correctly understand your income

Please enter the following information for the last 3 full years of trading

Co borrower Company Owners or Professions (Dr, Lawyer, etc)

If the company is jointly owned by the main & co-borrower, please add your percentage ownership together.

Company results

For dividend distributions, please note the dividend amount that would appear on your personal taxes.

Reporting Year Turnover/Revenue Salary drawn Net Profit Dividend/Profits distributed

Please add any information you feel will help us understand your company financials.

About your main home - Main Borrower
About your main home - Co-Borrower
Additional Real Estate Owned
Do you own any other property, either personally or via a property holding company?
Additional Property
Your Financial Investments

Please click "Add an Investment" button to add details of each significant financial investment you hold

Loans & Other Debts

Please click "Add another row" to add details of any non-real estate/mortgage loans such as student loans, line of credit, personal loans, car loans/leases, etc.

Pre-Approval / Unknown Project

If you are not sure, or have different options, please select the most likely. Certain banks only finance certain regions so this helps us be more specific to your situation.

Buying a house/appartment
Type of property being purchased
Have you already signed a pre-contract (promesse/compromis de vente or reservation contract)?
What will this property be used as
Refinancing an existing loan

For example, is the main goal to reduce the rate, lower the payments, extend the duration, release assets pledged to current loan?

Mortgage Request

This should include your down payment plus all closing costs (closing costs are generally around 7% of purchase price)

Insurance Information
Are you aware of any pre-existing medical conditions that may require a more in-depth study for any loan/life insurance requirements? *

Most French banks will require the subscription of a new loan/life insurance policy linked to the mortgage. Depending on your situation, this may require health questionnaires and/or medical exams. Certain situations such as whether you smoke, or have any pre-existing conditions, may impact the pricing of such policies. If you would like to have a discussion on this early in the process to anticipate any issues, please select Yes

Does the co-borrower have any pre-existing medical conditions that may require a more in-depth study if a life/loan insurance is required?
Do you smoke cigarettes/e-Cigarettes/Vape ? *

This includes occasional usage. Most insurance companies will require 2 years of non-smoking before applying non-smoker tarifs.

Does the co-borrower smoke/vape/use e-Cigarettes?

Please add any comments you feel will help us process your application